2020 Sustainability Report | PT Bank Central Asia Tbk Inspiration for
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Responsible Banking Inspiration for Sustainability Culture Inspiration for Social Value Creation
The channeling cooperation pattern is also carried out by disbursing of business loans (KUR) through Perkreditan Rakyat (BPR) Karya Perdana Sejahtera (KPS). This channeling collaboration with BPR KPS is aimed at supporting community businesses in the Gunung Kawi area, Malang, including the cattle breeding business through PT Santosa Agrindo (PT Santori), a partner of the MSME cattle breeders. PT Santori will transfer technology to the breeders as well as act as an offtaker, distributing KUR with a limit of Rp20 billion.
Rp 132.7 billion
Total 2020 KUR disbursements
5.6 % YoY
Increase in KUR disbursements
Personal business loans (Kur)
[FS7, FS8] [FN-CB-240a.1]As a form of commitment to supporting sustainable finance, BCA distributes KUR and ESG-oriented financing. BCA distributes financing for productive businesses, ranging from corporate, commercial, to MSMEs. In addition, BCA also focuses on business that encourage increased activities and creativity in disadvantaged (unbankable) areas. The productive businesses include handicrafts, processed agricultural products, animal husbandry and nurseries.
KUR disbursements follow the principle of equality, regardless of background. We also provide assistance and learning on financial products and/or services to help their businesses.
2020 Kur Disbursements
[FN-CB-240a.1]type of Kur number of Debtors Maximum Financing
(rp billion) composition
%
Micro 446 16.1 12.1
Retail 660 116.6 87.9
total 1,106 132.7 100.0
As at the end of December 2020, the KUR disbursement portfolio had reached Rp132.7 billion, with 1,106 debtors, an increase of 5.6% compared to 2019. The KUR disbursements take place through intermediary branches, and BCA also collaborates with off-takers and channeling schemes. The KUR disbursements this year were dominated by the production business sector. During 2020, the NPL value of BCA KUR was 2.7%, below the target of 3%. [FN-CB-240a.2]
“Thanks to the KUR program, the ginger farmers have been greatly helped. Initially, I had problems raising capital, but now it’s easier and the loan process is very fast. Now I can grow ginger at the right time without any worries about capital.”
tasrip
Ginger Farmer
